A fixed rate loan for the plan you have already made
Fifty thousand to five million dollars for consolidating costly balances, a home project, education or a major purchase. One fixed rate, one fixed payment, and no penalty for settling early.
Checking your options never affects your credit score.
At a glance
- Amount
- $50,000 to $5,000,000
- Rate
- 3.25 to 5.00 percent fixed
- Term
- 10 to 15 years
- Origination fee
- 5.00 percent of the amount approved
- Decision
- Two business days
- Early settlement
- Free, at any time
One payment instead of several
The most common reason people come to us is to replace a handful of expensive balances with a single fixed payment they can plan around.
Consolidating debt
Clear card and store balances carrying a much higher rate, then repay one amount on one day each month at a rate that does not move.
A home project
A kitchen, a roof, an extension or the work a survey turned up, funded without touching the equity in the property.
Education and major purchases
A programme of study, a vehicle, a wedding or a family commitment, spread across a term that keeps the monthly figure comfortable.
Four things, and most people have them to hand
- Photo identification and your date of birth
- Your employment status, employer and how long you have been there
- Your income, and what you pay each month for housing
- Anything you are already repaying, so the figure we offer is one you can carry
We look at the whole picture rather than a single number. If something in your file needs explaining, the reviewer named on it will ask you directly.
Open a profileHow the rate is set
Your rate lands inside the published band according to income, how much of it is already committed, how long you have been in your role and your credit history.
Every applicant sees the same checklist we underwrite against, and the full repayment schedule before accepting anything.
Model a repaymentFrom application to funds in a few days
Open a profile
Two minutes, and it does not affect your credit score.
Tell us about you
Employment, income and commitments, saved as you go.
We review
A named reviewer, with a decision inside two business days.
Accept and draw
See the schedule in full, accept, and the money lands in your account.